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Why haven't I ever discussed this here? I try to tell everyone I know about it but have never used my most public of forums to espouse its virtues. I am talking about my ING Direct account. It's the best decision I ever made.
I could give you all of the technicalities of it, but instead I'll just link to it here. If you were thinking that you should be saving money -- any money at all -- this is the way to do it. You link it directly to your checking account and then set up automatic payments on the day you get paid. It's the concept of "pay yourself first." You can start out putting in 1 fucking dollar a month and then when you realize you can put more, bump it up to 5. Think about how much you waste on fast food and booze and CDs and gas only because it's sitting in your account. If you pay yourself first, you don't have that problem. And if you accidentally save too much, you can always transfer it back into your checking temporarily to float you to the next paycheck. I don't like to toot my own horn, but I have literally hundreds of dollars stashed away for a rainy day.
Now, I do care about my friends making responsible fiscal decisions. And that is honestly the catalyst for this post. But the other thing I care about ... is you getting free money! That's right. When you sign up and confirm your checking account, you get 25 bucks. For nothing. If all you wanted to do was sign up, wait until your 25 bucks was available for withdrawl, withdraw it and run, you could. You don't need to have extra money laying around to start saving. You get 25 bucks and then add to it when you can. Aaaand if you DO have savings, it makes sense to transfer it to ING because you get a 3.4 annual percent yield (WAY WAY higher than any bank). And that's just the current rate, it's gone up like 5 times since I signed up and trends indicate it will only keep on rising. I'm earning about 10 bucks a month in interest right now. Not a lot, but way more than a bank, and that shit adds up. Awesome.
I also get 10 bucks for referring you. I tell you that only so you'll understand better my motivating the masses, but believe me when I say that I don't need 10 bucks that bad. But in order for me to get my 10 and you to get your 25, I have to refer you through the website. So if you think this might be something you'd be interested in, send me an email at SideshoViD@sideshovid.com or leave me a comment with your first and last name (if I don't know them for sure) and your email address and I will have ING send you all the information you need to get started.
That's the end of my PSA. I do hope some of you take advantage of this great opportunity.
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